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Required in Virginia

Virginia Minimum Car Insurance Coverage

Virginia minimum auto insurance coverage refers to the legally required liability and uninsured motorist limits every driver must carry: $30,000/$60,000 bodily injury and $20,000 property damage, effective January 1, 2025.

Avg Monthly Rate
$48/mo
($40–$65/mo range)
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Virginia Minimum Coverage Rates by Carrier

Rates last updated: May 2026. Based on a 35-year-old driver with a clean record driving a 2022 sedan. *USAA available to military members and families only.

CarrierMinimum Coverage/moRating
GEICO$41★ 4.5
Progressive$46★ 4.3
State Farm$48★ 4.4
Allstate$52★ 4.1
USAA*$36★ 4.8

What Is Minimum Coverage?

Virginia's minimum coverage requirements (effective 2025): $30,000 bodily injury per person, $60,000 per accident, $20,000 property damage, and matching uninsured motorist limits. Driving without insurance is now illegal in Virginia — the old uninsured fee was eliminated in 2024.

Who Needs Minimum Coverage?

  • All Virginia drivers (it's the law)
  • Drivers with very old vehicles and tight budgets
  • Anyone who just needs to satisfy the legal requirement

Virginia-Specific Considerations

Virginia drivers must carry at minimum $30,000/$60,000 bodily injury liability and $20,000 property damage, plus matching uninsured/underinsured motorist limits, per the Virginia DMV (dmv.virginia.gov). These limits took effect January 1, 2025. Approximately 11% of Virginia drivers are uninsured (Insurance Research Council 2023), making UM/UIM coverage especially critical.

Frequently Asked Questions

Can I drive in Virginia without insurance?
No. Since 2024, Virginia eliminated the option to pay a $500 fee instead of carrying insurance. All drivers must maintain at minimum the state liability and UM/UIM coverage.
Is Virginia minimum coverage enough?
Probably not. Virginia's $30,000/$60,000/$20,000 minimums can be quickly exhausted in a serious accident. A single hospitalization can exceed $30,000, leaving you personally liable for the remainder.
How much does minimum coverage cost in Virginia?
Virginia minimum coverage averages $40–$65/month, making it one of the more affordable options for tight budgets. Rates vary based on your ZIP code, driving history, and vehicle.
What changed with Virginia's minimum coverage laws in 2025?
Effective January 1, 2025, Virginia increased its minimum limits from $25,000/$50,000/$20,000 to $30,000/$60,000/$20,000. The uninsured motor vehicle fee option was also eliminated in 2024.
Does Virginia require uninsured motorist coverage?
Yes. Virginia requires uninsured/underinsured motorist (UM/UIM) coverage at the same limits as your liability — $30,000/$60,000 per the 2025 requirements. This is automatic unless you specifically reject it in writing.

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Rates last updated: May 2026. Rates shown are Virginia statewide averages based on a 35-year-old driver with a clean record. Your rate will vary. See our rate methodology.

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Virginia Law Update (2025)

Virginia requires all drivers to carry minimum liability and uninsured motorist coverage. Effective Jan 1, 2025: $30k/$60k bodily injury + $20k property damage. Source: Virginia DMV.

Our Methodology

Rates shown reflect Virginia averages based on a 35-year-old driver with a clean record. See full methodology.